Rates – Building Trades Credit Union

Savings Rates - Effective Thursday, January 2, 2025
Account Type	APY	Minimum Deposit	Minimum Balance
LABOR SAVER	0.1%		$300
SECONDARY SAVINGS	0.1%		$300
ADVANTAGE SAVINGS	0.4%	$2500	$2500
ADVANTAGE SAVINGS	0.45%	$2500	$10000
ADVANTAGE SAVINGS	0.5%	$2500	$50000
ADVANTAGE SAVINGS	0.6%	$2500	$100000
MONEY MARKET SAVINGS	0.75%		$50000
MONEY MARKET SAVINGS	1.01%		$100000
MONEY MARKET SAVINGS	1.51%		$250000
MONEY MARKET SAVINGS	2.27%		$500000
MONEY MARKET SAVINGS	3.04%		$1000000
FOUNDATION CHECKING	0.25%		$0
FOUNDATION CHECKING	0.01%		$5000.01
PERFORMANCE CHECKING	0.25%		$0
FREE CHECKING	0%		$0
STEWARDSHIP CHECKING	0%		$0

Loan Rates - Effective Saturday, October 25, 2025
Loan Type	Rates as low as	Terms	Terms & Information
New Vehicle »	4.89%	48 M	Get a new car or truck.
Used Vehicle »	4.89%	48 M	Get a used car or truck.
New Motorcycle »	6.84%	84 M	Great rates available for new motorcycles!
Used Motorcycle »	7.04%	48 M	Great rates available for used motorcycles!
New Boat »	6.84%	48 M	Looking for a new boat? Get it today!
Used Boat »	7.14%	48 M	Looking for a used boat? We can help with that too!
New RV »	5.99%	48 M	Finance a new camper at BTCU!
Used RV »	5.99%	48 M	Finance a used camper with BTCU!
New Personal Rec Vehicles »	7.84%	60 M	Looking for a Snowmobile, ATV or Jet Ski? We can help.
Used Personal Rec Vehicles »	8.34%	60 M	Looking for a Snowmobile, ATV or Jet Ski? We can Help!
Unsecured Personal Loan »	11.59%	60 M	Need a personal loan? Apply with BTCU.
Unsecured LOC »	11.59%	48 M	For overdraft protection or pull money only as you need it!
Credit Card »	14.75%	48 M	Low Rate, No Annual Fee, Plus Earn Rewards
Home Equity - Installment »	5.84%	60 M	Take care of home improvement projects!
Home Equity - Line of Credit »	7.25%	120 M	Make home improvements or finance major purchases.